• Annual fees: ₹300 plus applicable taxes
• Replacement / Reissuance charges: ₹200 plus applicable taxes
• (Effective December 1, 2016)

• CashBack Points can be earned for each transaction above ₹100.
• The maximum CashBack points per card per month is ₹250.
• CashBack points are redeemable through NetBanking in multiples of 250.
• Check your points on NetBanking within 2 working days from the transaction date. However, in case of a technical glitch, the cashback will be credited by 30th of the subsequent month.
• CashBack points are valid for redemption within the next 12 months.
• CashBack will be reversed if the purchase transaction is reversed/cancelled.
• Insurance features are valid if the card is used for shopping at least once in 30 days.
• Promotional points earned are valid for 3 months.
• Cashback points in the existing Debit Card variant will not be transferred if a card is upgraded to a new Debit Card variant.
• Customer is not eligible for redemption of cashback points on account closure.
• No maximum capping on redemption subject to availability.
• Customers can redeem the CashBack points through NetBanking:
  
  
  • Login >> Pay >> Cards >> Debit Cards >> Debit Cards Summary >> Actions >> Redeem Reward Points

• No-cost EMI on electronics, furniture, apparel, smartphones, and more.
• Convert any purchases above ₹5,000 into EMI.
• Up to 5% CashBack on your Debit Card on transacting through PayZapp and SmartBuy.
  
  
  • Click here for details.
• No liability for fraudulent POS transactions on a Debit Card up to 90 days before reporting loss.
  
  
  • Click here to know more.

• MoneyBack Debit Card is enabled* for Contactless Payments at retail outlets.
  Note:
• In India, contactless payments up to ₹5,000 don't require a PIN for a single transaction.
• For amounts ₹5,000 or more, the Cardholder must enter the Debit Card PIN. You may check for the Contactless Network Symbol on your card.

• Up to ₹15 Lakhs Personal Accidental Death Insurance.
• Up to ₹2 lakh for fire and burglary insurance, click here for details.
• ₹2 lakh sum insured for the cover of loss of checked baggage; click here for details.

• Daily withdrawal limit for domestic ATMs is ₹25,000.
• Shop up to ₹3 lakh per day within India.
• Withdraw cash of up to ₹2,000 per day at merchant POS terminals.
• Withdraw up to ₹10,000 per month at merchant locations.

The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.

For Insurance:

• Additional accident death cover applies with minimum transactions at stores/online.
  
  
  • Click here to know more.
• Checked baggage insurance covers loss abroad due to fire, theft, burglary, or accidents.
  
  
  • Click here for more details.
• Fire/burglary claim applicable to items you bought with MoneyBack Debit Cards within 90 days.
• From July 1, 2014, Debit Card holders must use their card every 30 days to keep death insurance active.
• For managed customers (Imperia, Preferred, and Classic), the sum insured is up to ₹12 lakh.

For Card Limits:

• Daily and monthly ATM withdrawal limits are ₹50,000 and ₹10 lakh, respectively, for the first 6 months.
• For accounts older than 6 months, the daily ATM limit is ₹2 lakh, monthly ₹10 lakh.
• Log in to NetBanking to adjust your Debit Card limit as needed, up to the permissible limit.